Most primary care doctors participate in Medicare.
Still, it’s important to verify your coverage before an appointment—especially if you’re visiting a specialist. You can confirm this by calling the doctor’s office and providing your Medicare information, or by contacting your Medicare provider directly.

In short, yes—most doctors accept Medicare. Around 93% of non-pediatric primary care physicians take Medicare, which is nearly identical to the 94% who accept private insurance. However, participation may vary based on your Medicare plan and whether you’re already an established patient.

Here’s how Medicare coverage works and how to confirm your provider’s participation.

How to Find a Doctor Who Accepts Medicare

The Medicare website offers a search tool called Physician Compare, which helps you locate doctors and healthcare facilities that participate in Medicare. You can also call 800-MEDICARE to speak directly with a representative.

If you’re enrolled in a Medicare Advantage plan, you can check your plan’s website or contact the insurer to find in-network doctors.

Most search tools let you narrow your results by:

• Medical specialty or condition

• Body part or organ system

• ZIP code or location

• Doctor’s name

• Gender

• Hospital affiliation

After finding a provider, call the office to confirm that they accept Medicare and are currently taking new Medicare patients.

Why Some Doctors May Not Take Medicare

Some physicians choose not to accept Medicare for reasons such as lower reimbursement rates or added paperwork. If your doctor no longer accepts Medicare, you can continue to see them by paying out of pocket or switch to another provider who participates.

Doctors who haven’t agreed to accept assignment—the Medicare-approved amount for services—are known as non-participating providers. These doctors are still enrolled in Medicare but can decide case by case whether to accept the Medicare-approved payment amount.

What If Your Doctor Doesn’t Accept Medicare?

Doctors who participate fully in Medicare cannot charge more than the Medicare-approved amount. Non-participating providers, however, can charge up to 15% more—a markup known as the limiting charge. Some states cap this extra amount at 5%, in addition to your standard 20% coinsurance.

Depending on the provider, you may be asked to pay at the time of service or receive a bill afterward. Always confirm payment policies before your appointment to avoid surprises.

If you pay out of pocket, you have one year to file a reimbursement claim with Medicare.

The Takeaway

Most doctors accept Medicare, but it’s always best to confirm before your visit. If your provider stops participating, ask how it affects your coverage and explore other options to ensure your healthcare and costs remain well managed.